AVP - Consumer Lending

• Sep 2023 - Present

Director - Consumer Lending Solutions

• Jul 2020 - Sep 2023

Manager - Underwriting and Solutions

• Feb 2019 - Jul 2020

Manager - Lending Solutions

• Aug 2018 - Jul 2020

Manager - Loan Experience Center

• Jan 2017 - Aug 2018

Supervisor-Loan Service Center

• Feb 2016 - Jan 2017

Supervisor-Loan Service Center Clearview Federal Credit Union February 2016• Coach, mentor, and evaluate representatives on an ongoing basis to ensure their success.• Train new representatives to use all programs, take loan applications and find addition opportunities for members.• Review employee performance and conduct performance reviews.• Schedule all loan representatives to ensure proper coverage.• Maintain a thorough knowledge of lending policies, procedures and guidelines through any operational changes.• Analyze consumer loan applications and visa applications and make the decision to approve, counter-offer or deny according to established guidelines.• Analyze efficiencies in the loan process to develop new procedures for loan applications and the review process.• Conduct staff meetings on an ongoing basis to ensure staff are up to date on new loan processes and company updates. Show less

Consumer Loan Officer III

• Apr 2012 - Feb 2016

• Maintain a thorough knowledge of lending policies, procedures and guidelines through any operational changes.• Analyze consumer loan applications and visa applications and make the decision to approve, counter-offer or deny according to established guidelines.• Cross-sell products such as loan protections, GAP and warranties.• Cross sell additional products to members that will benefit them by mining the credit report• Get all proper documentation needed for loan decisions and underwriting.• Communicate decisions to members while maintaining relationships and offering alternative solutions.• Strive to achieve established goals.• Mentor new loan officers by suggesting any changes or improvements needed, then review their loan and make my recommendation.• Work with and train loan partner on procedures and verification methods for loans to establish a more effective way to process loans.• Coach, counsel and educate members on creditworthiness.• Attend regular trainings and take additional courses to further my product and procedural knowledge.• Discuss home equity products, take applications and decision Real Estate loans. Show less

Financial Services Representative

• May 2010 - Mar 2012

• Represent the credit union to members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions. • Meet with members and open the full range of accounts and services offered by the credit union according to credit union policy and procedures. • Cross-sell credit union products and services. Make a constant effort to achieve sales goals. • Assist members with all credit union products and services. Complete all required forms. Process all member service transactions. • Perform all teller transactions including but not limited to deposits, withdrawals, loan payments, transfers, check cashing, sell gift cards and travel cards, process credit card payments, and perform cash advances. • Maintain current knowledge of credit union products, services, policies and procedures. • Build positive relationships with members, store customers and store employees. • Respond and resolve member’s requests, problems, and complaints. • Collect appropriate documentation and information to open business accounts. • Perform end-of-day tallying of cash vault and cash drawer. • Perform as a team player, creating strong team communication and supporting staff involvement in branch activities. • Balance ATM machine. Process deposit envelops, count and stock canisters and adjust discrepancies. • Assist members on matters involving direct deposit, payroll deduction, and electronic transaction: complete required forms and forward to proper destination. • Gather information for ATM/Debit card and ACH fraud. Complete reports and send to appropriate departments for processing. • Complete documentation renewing certificates of deposits and Individual Retirement Accounts. Assist members and complete documentation of IRA withdrawals, deposits, change requests, etc. • Responsible for ordering and redeeming foreign currency. Show less